Real-World Asset Tokenization Explained, and How to Build with Them Using Tatum

Tokenized treasuries, real estate, and gold are booming. Learn how to build RWA-powered apps using Tatum RPC and multi-chain infrastructure.
Written by
Ted Bloquet
July 24, 2025
4
min. read

Tokenizing real-world assets (RWAs) is no longer a concept, it's a market reality.

Traditional financial instruments such as government bonds and real estate together with gold are shifting to blockchain technology

At Tatum, we’re making it simple for developers to build with RWAs. That’s why we’ve added Lumia, a purpose-built RWA chain. And it’s why we support major chains like Ethereum and Polkadot, where RWA innovation is already underway.

Key Takeaways

- RWAs are tangible, off-chain assets represented as tokens on blockchain
- The RWA market exceeds $230B while continuing rapid expansion
- Major institutions like BlackRock, JPMorgan & Fidelity are all entering the space
- Tatum gives developers tools to build RWA apps across multiple chains
- Lumia, a new RWA chain built with Polygon CDK, is now live on Tatum
- Ethereum & Polkadot are also supported for RWA-related development

📈 The RWA Boom: Numbers & Signals

RWAs are the fastest-growing narrative in institutional crypto:

Figure Description
$230B+ RWA market size as of mid-2025
539% Growth in tokenized treasuries since Jan 2024
$5.6B+ Market cap for tokenized U.S. government bonds
$1.9B In commodity-backed tokens (primarily gold)
$558M+ In active private credit loans
$12.5B TVL In RWA protocols

Notable moves:

- BlackRock’s BUIDL Fund has launched treasury tokenization operations

- JPMorgan's Tokenized Collateral Network represents one of the notable tokenization projects
- MiCA in Europe
and the GENIUS Act in the U.S. create legal clarity through their implementation.
- Major exchanges have initiated exploration of tokenized stock products

RWAs are gaining real traction, not just in headlines, but in on-chain usage.

$USD TVL in RWA protocols

🛠️ How to Build for RWAs Using Tatum

Tokenizing real-world assets sounds complex, but we’re here to make it simple.
We provide everything you need to build, launch, and scale RWA-powered applications without worrying about blockchain infrastructure.

Here’s how:

1. Connect to Any Chain

Use Tatum’s unified RPC gateway to interact with over 100 blockchains, including Ethereum, Polkadot, and recently Lumia. No need to run your own nodes or maintain custom endpoints.

2. Fetch Asset Data Instantly

Our Blockchain Data API gives you fast, standardized access to on-chain information, balances, token ownership, transaction history, smart contract state, and more. Ideal for tracking tokenized real estate, commodities, or treasuries.

3. Monitor RWA Activity in Real-Time

Tatum’s blockchain notifications let you track events like asset transfers, collateral updates, or token mints, and trigger real-time automation inside your app or platform.

4. Secure RWA Operations

Handle transactions and ownership securely using Tatum’s built-in key management system, ensuring your app stays compliant and protected, even when dealing with high-value, real-world-backed tokens.

5. Build Faster, Scale Smarter

From smart contract interaction to real-time monitoring, Tatum gives you production-grade tools that abstract complexity and let you focus on your product, not the plumbing.

Whether you're minting tokenized real estate, tracking treasury yield, or collateralizing loans with physical assets, Tatum has you covered.

Supported Chains for RWA Use Cases

🟣 Ethereum

The most mature ecosystem for tokenized assets and DeFi integrations.

Use Tatum’s RPC & API suite to:

- Deploy ERC-20 and ERC-721 RWA token.

- Integrate on-chain credit protocols
- Use stablecoins and tokenized treasuries as collateral

🔴 Polkadot

Home to RWA-native parachains like Centrifuge, Energy Web, and Composable Finance.
Use Tatum's Polkadot RPC to test RWA integrations and experiment with cross-chain token logic.

We now support the whole DotSama ecosystem, Polkadot, Kusama, Asset Hubs, testnets

🟢 Lumia -  Purpose-Built RWA Chain

Lumia is a next-gen zkEVM chain built with Polygon CDK and secured by Agglayer, and now fully supported by Tatum.

Why Lumia matters:

- $220M+ real estate project (Lumia Towers) already tokenized
- First native dApp layer on a dedicated RWA chain
- Integrated with Agglayer for cross-chain liquidity
- Custom-built infrastructure for capital efficiency, finality, and compliance

We added Lumia to Tatum specifically to power RWA builders, real estate marketplaces, yield platforms, fractional ownership dApps, and beyond.

Use Case Recommended Chains
Institutional Treasuries Ethereum, Base, Lumia
Real Estate Lumia, Polkadot, Tezos
Private Credit Centrifuge (Polkadot), Ethereum
Commodities (Gold) Ethereum (PAXG, XAUT), Stellar
Energy/Carbon RWAs Energy Web (Polkadot), Celo
Retail Fractionalization Polygon, Sui, Lumia

Final thoughts

RWAs are the bridge between traditional finance and Web3.

They bring real-world value on-chain, unlock new markets, and offer investors globally accessible yield. With institutions entering fast, the opportunity to build is now.

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